SoFi Technologies Inc (NASDAQ:SOFI) Reports Robust Q3 2025 Earnings, Beating Estimates

SoFi Technologies Inc (NASDAQ:SOFI) has delivered a robust third-quarter earnings report for 2025, surpassing analyst expectations on both the top and bottom lines. The digital financial services provider reported record results, fueling a positive market reaction in pre-market trading.

Earnings and Revenue Performance

The company's financial performance for the quarter ended September 30, 2025, demonstrated significant strength. SoFi reported adjusted earnings per share (EPS) of $0.11, which comfortably exceeded the analyst consensus estimate of $0.083. This represents a substantial beat and highlights the company's improving profitability.

On the revenue front, the company also outperformed. SoFi posted record adjusted net revenue of $949.6 million, a figure that came in ahead of the $904.3 million that analysts had projected. This marks a 38% increase compared to the same quarter last year.

Key financial results include:

• Non-GAAP EPS: $0.11 reported vs. $0.083 estimated
• Adjusted Net Revenue: $949.6 million reported vs. $904.3 million estimated
• GAAP Net Income: $139 million
• Adjusted EBITDA: $277 million, a 49% year-over-year increase

Market Reaction and Price Action

The market responded favorably to the earnings beat and strong operational metrics. In pre-market trading following the announcement, SOFI stock was up approximately 2.9%. This positive momentum adds to gains seen over the past month, suggesting investor confidence is building ahead of the earnings release.

Key Business Highlights

Beyond the earnings and revenue figures, the press release detailed several record-breaking operational achievements that underscore the company's growth trajectory. The quarter was characterized by exceptional member acquisition and product adoption.

Notable achievements from the quarter:

• Added a record 905,000 new members, bringing the total to over 12.6 million.
• Added a record 1.4 million new products, increasing the total to nearly 18.6 million.
• Achieved record total loan originations of $9.9 billion, up 57% year-over-year.
• Financial Services segment revenue grew 76% year-over-year to $419.6 million.
• This marks the company's eighth consecutive quarter of GAAP profitability.

Forward Guidance and Analyst Estimates

Looking ahead, SoFi's management provided an updated outlook for the full year 2025, raising its previous guidance. The company now expects adjusted net revenue of approximately $3.54 billion and adjusted EPS of approximately $0.37.

It is important to note that this revenue guidance falls significantly below the current analyst consensus estimate of $3.50 billion for the full year. This discrepancy may be a point of focus for investors, even as the company raises its own internal targets for profitability and member growth.

Conclusion

SoFi Technologies Inc's third-quarter results paint a picture of a company executing effectively on its growth strategy. With double beats on EPS and revenue, record member growth, and a raised profit outlook, the fundamental performance appears strong. The initial positive market reaction reflects this strength, though investors will likely continue to weigh the company's impressive user growth and profitability against its forward revenue guidance in the context of broader market expectations.

For a detailed look at historical earnings and future analyst estimates for SOFI, you can review the data here.

Disclaimer: This article is for informational purposes only and does not constitute investment advice.